Capital One Spark 2% Cash Plus Business

Portal cashback + credit card rewards = cashback stacking. With the Capital One Spark 2% Cash Plus Business earning 5% in its top category, you can add 1-15% more from a shopping portal. CashBackStacks calculates the best combination automatically.

The Capital One Spark 2% Cash Plus Business offers a welcome bonus of 2,000 cashback. Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. This bonus is on top of the regular category rewards you'll earn on purchases.

Airfare (Portal) is the top earning category for the Capital One Spark 2% Cash Plus Business at 5%. Pair it with portal cashback to maximize your return.

Yes — once you add the Capital One Spark 2% Cash Plus Business to your wallet, CashBackStacks automatically calculates which stores earn the most with it. You'll see the Capital One Spark 2% Cash Plus Business's contribution in your personalized stack breakdown for every store.

Good news: the Capital One Spark 2% Cash Plus Business waives foreign transaction fees. Combined with its rewards categories, it's a solid choice for both domestic and international shopping.

With a top earn rate of 5%, you break even on the $150 fee at about $3,000 in category spending per year. Many cardholders find the perks (travel credits, insurance, lounge access) worth more than the fee itself.